Wireless connection to the network. Mobile terminal for acquiring Pay-Me What is the Pay-Me acquiring terminal and how does it work

Wireless connection to the network. Mobile terminal for acquiring Pay-Me What is the Pay-Me acquiring terminal and how does it work

19.07.2023

We offer to buy mobile POS terminals from our partners to pay for purchases with bank cards. This is a full-fledged alternative to traditional POS devices; it allows you to accept cards for payment using smartphones and tablets. This is a profitable and convenient solution for online stores with delivery services, taxi services, street trading enterprises and more. The use of portable wireless terminals increases customer loyalty and increases profits.

Operating principle and advantages of mobile POS terminals

A mobile terminal is a special device that connects to a smartphone via Bluetooth. To carry out a payment transaction, you need to turn on the terminal, connect it to your smartphone and make a payment using a special application; for confirmation, you need to receive the buyer’s signature on the screen. After this, an electronic receipt confirming the payment is sent to the client’s email or sent as an SMS message. Portable terminals accept all types of cards. The introduction of mobile devices provides the following benefits:

  • simplification of settlements with customers - more and more people are abandoning cash in favor of bank cards, the possibility of cashless payments expands the customer base
  • security of transactions - there is no need to check the authenticity of banknotes, the courier does not need to carry cash with him
  • safety of personal data – payment information is protected from interception, clients are guaranteed security
  • customer loyalty - the ability to pay by card increases the image of the organization, the number of repeat requests increases

Purchase terms

You can buy modern terminals from our partners at low prices, convenient for making payments. There will be no problems with connection; funds received as a result of payment are instantly credited to your current account. An electronic receipt is a full proof of purchase, but it does not replace a fiscal receipt, so it is necessary to resolve the issue of conducting cash transactions. Our employees will find the most profitable option for you: contact the specialists and discuss all the details!

owner of Beauty Manufactura

If everyone wants to pay with Apple Pay, our first priority is to make sure it works as well for us as it does elsewhere. The girl got a manicure, she doesn’t need to reach into her wallet for money - she just touches the phone to the terminal. The money is debited automatically.

Acquiring can also be different. Exactly in Sberbank Money earned on Monday ends up in our account on Tuesday.

In his Sberbank Business Online I see what income there were for each month, I can analyze which brought more cash and income to the current account.

Alexandra Alimbekova

co-founder of MATCHA BOTANICALS

At Sberbank - one of the lowest rates according to acquiring. That's why I chose him. When acquiring was installed, everything was done through the Sberbank Business Online application. Leave a request, and the next day a specialist is ready to come and install the cash register.

30% of our clients pay by cards. And it’s important for me not to miss them and not lose to competitors in the food court. Another acquiring is safe and convenient, no need to keep cash in a drawer.

Dmitry Bakhirev

managing partner VR quests ANVIO

80% of payments go through our website. It's comfortable- we immediately receive revenue, and the user pays as usual: by cards, Apple Pay and Google Pay.

Previously, users booked quests without prepayment and paid the entire amount in cash on the spot. They might not come, and we would lose 20-30% of revenue. Now there is prepayment through the website - we keep the proceeds.

When we launched, acquiring was needed urgently. Filled out the application on the Sberbank website - a couple of days later they installed terminals and set up accepting payments through the website.

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ME network energy.

The ME network requires energy, which can be carried out in various units.

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  • Vibration chamber.
    She Not requires channels.

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    It can use almost any fuel.
    Generates from 1 to 10 AE/t depending on the burning time of the item.

  • Energy receiver (It can be replaced by an ME controller).
    He Not requires channels.

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    To power the ME network you can use an energy receiver.
    There are currently several conversions:

    IndustrialCraft 2 1 EU = 2 AE Thermal Expansion 3 2 RF = 1 AE RotaryCraft 11256 Watts / Joules = 1 AE Mekanism 5 J = 1 AE
  • Quartz fiber.
    It Not requires channels.

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    It is designed to exchange energy between two ME networks.
    Usage example:

  • Mechanical network devices.

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    Network storage.

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    Network connections.

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    1. ME glass cable.

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      The simplest cable has only 8 channels.
      Can have 17 different colors(changeable and can be dyed with any of 16 colors)

    2. ME closed cable.

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      Has no advantages over conventional glass cable.

    3. ME smart cable.

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      Although similar in appearance to a closed cable, they provide a diagnostic function by visualizing the use of channels on the cables. Channels appear as bright colored lines that run along the black stripe on the cables, giving you an idea of ​​how your channels are performing.

      The first 4 channels are displayed as lines corresponding to the cable color.
      The next four channels are displayed as white lines.

    4. ME dense cable.

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      Similar to a smart cable, but can carry up to 32 channels.
      However, buses cannot be connected to it. To connect the buses, you must first move from dense to smaller cable (glass/closed/smart).

    5. ME switching bus and ME-inverted switching bus.

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      A bus that works similar to ME glass cable, but allows you to switch its state through redstone.
      This allows you to cut off part of the ME network.
      The usual switching bus turns on the cable when a signal is applied, while the inverted one turns it off.

    Functional devices.

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    1. Extermination Plane
      To her needed channel.

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      The destruction plane is needed to destroy any block placed in front of it.
      Broken items will be automatically saved to the ME network when space becomes available.

    2. Formation plane.
      To her needed channel.

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      The formation plane is needed to install/throw out blocks or objects.
      The interface is similar to the storage bus interface.
      There is a priority and placement mode (throwing out or installing blocks).

    3. Export bus.
      To her needed channel.

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      The export bus pulls items from the ME network storage and places them in the inventories of the blocks it is connected to.
      You have to customize what items it will put in, otherwise it won't work.
      Improvements:

      1. Capacity map.
        It increases the capacity of the export bus
        It opens a new setting on the left (Scheduling mode).
        It has three modes:
        1) Export the first item until the network is empty, then try the next ones.
        This mode means that the item will be exported to the inventory until it runs out online. Then she will move on to another.
        2) Export using round bin mode.
        This mode means that items will be exported in order (1-2-3-4-5-6-7-8-9-1-2...).
        3) Export items in random mode.
        This mode means that items will be exported randomly.
      2. Fuzzy map.
      3. Creation map.
        It opens a new setting on the left (Creation Mode).
        It has two modes:
        1) Do not use stored items, only create during export.
        2) Use stored items or create items during export.
        If there is a shortage of an item online, the export bus itself will order it in order to submit it.
      4. Redstone map.

        1. Always active


      5. Acceleration map.
    4. Import bus.
      To her needed channel.

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      Retrieves items from the inventory to which it is connected and places them in the network storage of the ME network.
      You can specify which items she will pull out through the interface, otherwise she will pull out any item from the inventory.

      Improvements:

        Capacity map.
        It increases the import bus inventory capacity.

        Redstone map.
        Allows you to configure the bus operation relative to the red signal:
        1. Always active
        2. Active with a signal - will work as long as there is a signal.
        3. Active once per impulse - if you give a signal, it will give only one object.
        To give the next one, you need to give the signal again.

      1. Fuzzy map.
        Allows you to export items with different durability (you can set the mode on the left).
      2. Acceleration map.

    5. Interface.
      To him needed channel.

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      The ME interface is the only device that can be used as a block or bus.
      The block shape allows you to connect several blocks to the interface for automatic crafting.
      The shape of the bus allows several side-facing interfaces to fit into one block.

      You can configure the ME interface to retrieve items from the ME network.

      The interface usually functions as a chest, however, with one exception, if you place another network's storage bus on the ME interface - you can access all items from the network.
      In addition to this mode, if you configure your interface to explicitly provide specific materials - the storage bus will behave as if the interface was a regular chest, disabling this advanced feature.

      Improvements:
      Creation map.
      With the ME crafting card inserted, the interface will be able to request autocrafting for customized items. This requires that the network to which the interface is connected has crafting templates that allow the creation of these items and an available processor with sufficient memory.


      ME interface interface:

      1. Blocking mode.
        It has only two settings:
        1. Ignoring the contents of the target inventory.
        The interface will fill the target inventory completely.
        2. Do not push crafting items if the inventory contains items.
        That is, if there are items in the inventory to which the interface is connected, it will not supply items for crafting.
      2. Interface terminal.
        It has only two settings:
        Hide or show interfaces in the terminal.
      3. Priority setting.
      4. Upgrade slot.
      5. Setting up the blocks that need to be placed in the internal interface inventory.
      6. Internal interface inventory
      7. Crafting Template Inventory
    6. ME level emitter.
      To him needed channel.

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      The ME level emitter emits a signal if the total number of items or the number of a specified item is >= or< заданного числа(это можно настроить).
      Improvements:

      1. Fuzzy map
        Allows you to count items with different metadata as one.
      2. Creation Map
        Completely disables all level emitter functions and adds one setting:
        Creation emitter mode.
        It has only two modes:
        1. Emit a redstone signal when creating an item.
        Will emit a redstone signal if the item is crafted.
        2. Emit a redstone signal to create an item

    Devices for interacting with the network.

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    Other.

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    1. Point-to-point tunnel.
      To him needed channel.

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      Point-to-point tunnels are a universal, configurable system for moving items/redstone/energy/fluids from one location to another through an existing ME network without storing them there.

      Tunnels have one entrance and N exits. This means you can output as many points as you want, but only one input per tunnel.

      The network can support any number of tunnels, of any type. And they all function independently.

      Tunnels can be used to carry channels from one location to another, and can support up to 32 channels, just like dense cable. This requires only one channel per point-to-point, which is a very powerful tool for expanding ME networks.

      However, with the great flexibility they give you there is a limitation, a p2p tunnel's channel cannot be carried by another p2p tunnel, meaning that you cannot nest them recursively.

      To set up a point-to-point tunnel, you must first set up the tunnel to carry what you need (more on that later).
      Then press SHIFT+RMB on the input point-point with the memory card to save it. Then simply right-click on the different outputs. This also sets the output type to match the input type.

      Tunnels can be customized by right-clicking on them with different types of items:

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      ME tunnel - changeable

      • ME cable.

      Subject tunnel - dark gray

      • ME chest
      • Funnel
      • Object pipes from BuildCraft
      • ME interface
      • ME export bus
      • ME import bus

      Fluid Tunnels - Dark Blue

      • Buckets
      • Any liquid containers
      • Liquid pipes from BuildCraft

      Light tunnel - white

      • Torch
      • Glowstone Block

      Redstone Tunnel - Red

      • Red dust
      • Repeater
      • Comparator

      RF tunnel - light gray

      • Ender IO cables and drives
      • Energy pipes and generators from Extra Utilities
      • Pipes from Thermal Dynamics
      • Cells from Thermal Expansion
      • Engines from BuildCraft

      EU tunnel - light blue

      • Any cable from IC2

      And energy tunnels consume 5% of the transmitted energy.
      Take this into account!

    2. I/O port.
      To him needed channel.

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      This block allows you to transfer items from your cells to the ME network or vice versa.
      You can speed it up with acceleration cards.

    3. Wireless access point.
      To him needed channel.

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      Allows you to make wireless access through a wireless terminal. The range and power consumption are determined depending on the number of wireless extenders installed in the wireless access point.

      The network can have any number of ME wireless access points with any number of wireless amplifiers in each, which allows you to optimize power consumption and range by changing the settings.

    4. Security terminal
      To him needed channel.

      Hidden text

      Allows you to configure user rights on your ME network.

      The security system does not prevent the destruction or removal of cables/machines.

      The player who hosts the ME security terminal has full control over the network and does not need a biometric card.
      By adding an empty biometric card you define the default behavior for each player who does not have a registered biometric card.

      To add a player to the security terminal, use a biometric card.
      Right-click it on another player (Shift+RMB for yours) to create a map.
      Then put it in the editor inside the security terminal to grant permissions.

      After setting the rights, put it in the inventory of the security terminal.

      In addition to increased security, you can connect the wireless terminal to the network and access it wirelessly.

    An increasing percentage of payments for goods and services are made using bank cards. To ensure their acceptance, the seller must acquire an acquiring terminal and enter into a contract with the bank that services card transactions. You can carry out both procedures simultaneously and at relatively low costs by purchasing a Pay-Me wireless acquiring terminal and concluding an acquiring contract with its developer.

    What is the Pay-Me acquiring terminal and how does it work?

    1. For businesses that do not want to waste time and, again, incur additional expenses on the necessary configuration of the acquiring terminal.

    To bring the Pay-Me pin pad into working condition, you need to perform literally a few simple steps - the degree of complexity is no greater than installing an ordinary mobile application on a smartphone. In turn, setting up a traditional terminal for acquiring is a procedure that may require the involvement of specialists from a company that services cash register equipment - of course, not for free.

    In addition, to start using the Pay-Me terminal, a minimum of legal procedures is required - in contrast to typical scenarios for registering traditional acquiring solutions.

    How to start using Pay-Me mobile acquiring

    To start accepting payments using the Pay-Me acquiring terminal, an entrepreneur needs:

    1. Complete registration procedures:

    • fill out the form (LINK);
    • fill out the form that is available in your Personal Account;
    • upload scanned registration documents;
    • wait until the documents are verified and the Activated status appears in your Personal Account.
    1. Buy the terminal itself for acquiring.

    An entrepreneur can do this by visiting the corporate department of Alfa-Bank in his region, calling the Pay-Me Help Desk, or ordering a device in the Pay-Me Personal Account.

    1. Buy - if necessary, a mobile gadget for communication with the terminal.

    He needs to:

    • supported Bluetooth version 4 and higher;
    • functioned on iOS version 9 and higher, Android version 4.4.2 and higher.

    From the iPhone line, the terminal is compatible with devices in modifications 4S, 5, 5C, 5S, 6, 6 plus, from the iPad line - tablets in versions 3, 4, Mini, Mini 2. Incompatible - iPhone 4 and iPad 2.

    1. Install the Pay-Me application on your smartphone (or tablet) and connect the terminal to it.

    The legal relationship between the seller and the developer of the Pay-Me terminal is established in an agreement, which is available in your Personal Account. The acquiring terminal comes with a 180-day warranty.

    To start accepting card payments, the Pay-Me terminal user who has registered in the system does not have to enter into any additional agreements with acquiring banks. The terminal developer has a partnership agreement with his bank - through which all transactions are carried out.

    The Pay-Me developer's service to ensure the acceptance of card payments is paid in accordance with separate tariffs.

    Cost of services

    The commission for each payment accepted through the Pay-Me acquiring terminal is 2.25-2.75%. Its specific value is determined based on business turnover (LINK).

    For beginners, the maximum commission is initially set. But from the beginning of the next quarter it may be revised in favor of a reduction.

    Amount of transactions for the previous 3 months, rub. Commission, %
    0,00 — 299 999,99 2,75
    300 000,00 — 499 999,99 2,65
    500 000,00 — 999 999,99 2,55
    1 000 000,00 — 1 999 999,99 2,45
    2 000 000,00 — 2 999 999,99 2,35
    3,000,000.00 or more 2,25

    The minimum commission is 10 rubles and 0.9% of the transaction (applied if 2.75% is less than this amount). For clients of Alfa-Bank - that is, entrepreneurs and legal entities who have a current account opened there - preferential conditions apply - a minimum commission of 3.5 rubles and 0.9% of the transaction.

    Please note that funds from acquiring payments made at the Pay-Me terminal can be credited to the merchant’s current account, which is opened in any Russian bank. If turnover exceeds 5 million rubles. per month, then the commission is calculated at an individual rate.

    There are no minimum rpm requirements. There are no hidden fees, commissions, or subscription fees for anything. Tariffs - despite the fact that they are higher than those typical for the market average in terms of “regular” acquiring - are ideal for a novice entrepreneur who wants to start accepting payments by card without unnecessary formalities.

    What else do the developers of the Pay-Me acquiring terminal offer?

    In addition to the specialized service - acquiring using a branded mobile terminal, the developers of the Pay-Me device also offer their clients:

    1. Integration with applications developed by third party merchants.

    For these purposes, we use our own SDK from the Pay-Me developers. Integration allows you to accept card payments using a terminal through the corresponding mobile application.

    1. Conclude contracts on favorable terms with such brands as:
    • KONTUR.ELBA (supplies a cloud accounting and inventory platform);
    • SUBTOTAL (supplies comprehensive cloud solutions for sales automation);
    • (online cash desk from Modulbank);
    • MERKATA SMART CASH (cash application based on Android and Windows and cloud back office);
    • MoySklad (supplies a cloud system for cash and inventory accounting);
    • CloudPayments (supplies cloud solutions for accepting payments on online store sites).

    Summary

    So, Pay-Me is a small in size - about the size of a bank card, and, moreover, a fully functional wireless acquiring terminal that works in conjunction via Bluetooth with a mobile gadget on iOS or Android. Accepts all types of cards - contact and contactless. Reliable data encryption is provided.

    Acquiring for Pay-Me users is provided at internal rates from the terminal developer. Alfa-Bank clients have preferential terms on transaction fees. Crediting funds from card payments is possible to the account of any bank in the Russian Federation.

    It is possible to integrate an acquiring kit in the form of a Pay-Me terminal and a smartphone with an online cash register - or use them sequentially when entering payment data into the cash register manually.

    The Pay-Me terminal is best suited for mobile businesses, personalized service providers, small retailers and catering establishments. Especially for beginners, since the acquiring provider in this case has no requirements for the amount of revenue.

    Video - how the Pay-Me wireless acquiring terminal works with Alfa-Kassa:

    Unlike a stationary one, a wireless acquiring terminal is battery-powered, so it can be portable. These can be found in a restaurant or when ordering food at home. The wireless terminal connects to the mobile Internet or Wi-Fi.

    Who are wireless terminals suitable for?

    Such devices are used by entrepreneurs on the road or in catering:

    • delivery services: the courier delivers pizza or an order from an online store and accepts non-cash payment;
    • cafes or restaurants where the waiter fully serves the table: takes orders, brings food and the bill. To prevent the client from running to the bar or cash register, the waiter brings a terminal for payment;
    • Taxi. Taxi services are gradually switching to cashless payments: it is faster and more convenient than looking for cash or exchanging a thousand rubles. Taxi aggregators like Uber use Internet acquiring - when money is automatically debited from the client’s card, and wireless terminals are suitable for the service;
    • catering or trade on the road.

    Wireless POS terminals for phone

    There are special wireless terminals for cards that are installed on a smartphone or tablet. These readers are the size of a matchbox. They are inserted into the headphone or charging jack and accept non-cash payments in the same way as regular terminals: the cashier enters the amount, taps or inserts the card into the reader, and money is debited from the card.

    Such terminals are suitable for micro-businesses and outbound trade: taxis, coffee shops, food kiosks, cosmetologists and tutors. They are cheaper than conventional devices - prices for readers for smartphones start from 5,000 rubles, for terminals from 15,000. But readers do not issue paper receipts, they only send electronic ones, so you will have to enter the buyer’s phone number or email with each purchase.

    Wireless terminal and online cash registers

    An acquiring device does not replace an online cash register - according to Federal Law 54, all entrepreneurs who sell something are required to install it. Modulkassa works with Ingenico and Paymi terminals. They can be connected to the cash register via USB or Bluetooth. Acquiring together with an orange cash desk in Modulbank will cost 31,000 rubles. You can buy a wireless terminal in Modulbank separately, the minimum cost is 30,000 rubles.

    We are constantly improving checkouts to make them faster and more convenient. Therefore, the price and number of models may vary. Current information is on the main page of the site.

    How to order an online cash register

    1. Select model

    There are mobile and stationary cash desks. They are suitable for shops, restaurants and coffee shops, courier services, service industries and online commerce. Cash desks help control the operation of the store: they send statistics on sales and monitor the amount of goods in the warehouse.

    2. Select a payment method

    A mobile cash register costs 15,000 rubles without a fiscal drive. Until 2019, the cash register could be rented; now you can buy any product or service on the website in installments for 6 months without a down payment or overpayments.

    3. Leave a request

    To buy a cash register, you need to provide a phone number and email on the website. Our employee will call you back and confirm the order.

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